Casualty

Whether you need general liability, product liability, or special event coverage, DeCotis has the answers to your casualty needs. Our surplus lines are known for getting the tough risks done. The more “hair” something has on it, the more successful we are at placing the account.

General Liability

From small artisan contractors to large habitational schedules with many locations, we specialize in both simple and complex GL solutions. Don’t bother spending your day calling and emailing people who won’t get back to you – call us first – we can help.

Submission Requirements

ACORD GL application or other carrier’s GL application

Class-specific supplements may be needed (artisans, janitorial, etc.)

5-year Loss Runs if applicable

Resumes, licenses, or bios of key employees and owners if new venture

Highlights

Various limits and deductibles available

Custom endorsements, forms, and options available to tailor coverage for each account

Product Liability

When you need coverage for your manufacturing clients, turn to us. Manufacturers are subject to a broad list of liability exposures – consumers hold companies accountable during all phases of the lifecycle. These specific exposures require specialized insurance programs to adequately cover them. With many different carriers and coverage options available, we can help you place the right coverage with the right carrier.

Submission Requirements

ACORD application & Product Liability Supplemental application

5-year Loss Runs

Detailed product descriptions and brochures

Prior carrier/policy information

Highlights

Claims Made or Occurrence forms available

New products and IBNR Risks OK

Target Classes

Abrasives, adhesives, chemicals detergents

Building supplies

Contractor equipment & cranes

Electrical equipment, medical equipment

Heating/HVAC equipment

Metal Goods, machinery, machinery parts

Modular homes

Motorcycles/scooters/ATVs/snowmobiles

Tools, paint, plastic & rubber goods

Sporting goods, toys

Wood products

Product Recall

Years of engineering and development can be jeopardized by one claim. In the United States, thousands of products are recalled every year and these campaigns occur more often now than ever before. A complex and expensive recall can threaten your client’s business – take the time to protect what they spent years developing, with a Product Recall insurance policy from DeCotis.

Submission Requirements

Product Recall application

Complete product info, brochures, safety sheets, etc.

Copy of Recall Program & Quality Control manual

5-year Loss Runs on GL and any current Product Recall policies

Any additional information or narratives about the account are always helpful

Sexual Molestation & Misconduct

Sexual misconduct claims are excluded by most GL policies by default. Given today’s legal environment and increasing lawsuits, insureds need this coverage more than ever before. Why not offer your insureds total piece of mind and let DeCotis provide superior protection where others can’t? This coverage can be offered Stand-Alone or as part of a GL package policy.

Submission Requirements

Sexual Molestation application

5-year Loss Runs – details on losses & current status

Highlights

Available stand-alone coverage or as part of a GL or package policy

Various limits available

Coverage may include negligent hiring, employee training, or incident investigation